Call Us Today For A Free Quote | 209.529.4530
Our mission is to help our clients attract, protect and retain their most valuable resource—their employees!


HIPAA stands for Health Insurance Portability and Accountability Act. Passed by Congress in 1996, HIPPA helps to protect your rights to health coverage during events such as changing or losing jobs, pregnancy, moving, or divorce. It provides rights and protections for employers when getting and renewing health coverage for their employees.

The following information highlights the scope of HIPAA in the broadest sense. Keep in mind HIPAA is not an insurance policy.

HIPAA provides rights and protections for both group health plans and individual coverage. These rights and protections address:

  • Portability - Whether you can get new health coverage if you want to change coverage
  • Availability - Whether health coverage must be offered to you and your dependents
  • Renewability - Whether you are able to renew health coverage
Who does HIPAA protect?

HIPAA might protect individuals who experience the following life events:

  • Have lost or are changing jobs
  • Are recently married or divorced
  • Are gaining new dependents through birth or adoption
  • Are moving from one State to another
  • Have preexisting conditions or other health factors that make it difficult to get health coverage
  • Have had health coverage and are now being denied coverage
  • Want to renew your health coverage
  • Are a small employer and want to buy health coverage for your employees
  • Are an employer and want to renew health coverage for your employees
What does HIPAA NOT do?


  • Require employers to offer health coverage
  • Regulate the cost of health coverage
  • Regulate the types of benefits that must be offered
  • Provide protections when you wish to change from one form of individual coverage to another
HIPAA and Group Health Plans

Important HIPAA rights and protections for group health plans include:

  • Limits on preexisting condition exclusions
  • Prohibition of discrimination based on health factors
  • Requirements for special enrollment opportunities for people who lose other group health coverage or gain new dependents, such as a spouse or a child
  • Requirements for certificates of creditable coverage
  • Guaranteed availability of group health plans for small employers
  • Guaranteed renewal of all group health plans at the option of the employer
HIPAA and Individual Coverage

Important HIPAA rights and protections for individual coverage include the following:

  • HIPAA-eligible individuals are guaranteed the right to purchase individual coverage
  • Preexisting condition exclusions are not allowed for HIPAA-eligible individuals
  • Certificates of creditable coverage are required
  • Individual health insurance coverage is guaranteed to be renewed
  • Comparable coverage issued through a state high-risk pool

To learn more about HIPAA and other government legislation and programs related to health benefits be sure to go to the Health Care Financial Administration website.

Instant Quote
We love referrals! And thank you even more for your continued business.
Customer Service
Self policy service any time of the day, directly from our website.
Join Our Newsletter
Stay in touch with the latest events, news and offers we have.
From Our Blog From Our Customers
Read More Read More
Stay In Touch With Us Helpful Site Links Read the News
Bohannon Insurance Group
4317 Northstar Way, Suite A
Modesto, CA 95356
Office: 209-529-4530
Toll Free: 866-529-4530
Stay up-to-date with the latest industry, community and agency news through our newscenter. We also provide handy hints on how to save on your insurance.

Read More
We have the expertise to find you the right coverage at the right price 
Powered by Insurance Website Builder